When you’re self-employed — earning a large chunk of your income as a freelancer, independent contractor, or small business owner — it can be challenging to meet the borrower requirements for a mortgage loan. But it’s not impossible. Here’s what you need to know about qualifying for a mortgage when self-employed. Can you qualify for a mortgage when self-employed? It’s possible to qualify for a mortgage as a self-employed borrower. Like W-2 employees, you generally need good credit, sufficient income, an ...